Credit Scoring & Analytics

About Aspora

People on the move deserve a bank that moves with them. Since 2022, Aspora has been building a borderless financial operating system that makes money as mobile and transparent as its users.

Backed by influential venture capitalists like Sequoia Capital, Greylock Partners, Hummingbird Ventures, Y Combinator & Global Founders Capital. We're a team of 75+ across India, the UK, the UAE, EU and the US, working with extreme ownership, radical candour, and an obsession with customer impact.

We celebrate builders who question assumptions, ship fast, and turn regulatory complexity into elegant solutions. If you’re driven to redefine what global banking can be, we’d love to build the future with you.

About the Role

Aspora is building a scoring-led, globally differentiated lending platform for Non-Resident Indians (NRIs) across key geographies including the UAE, UK, US and other international markets. At the core of this platform is the Aspora Score, a proprietary, multi-dimensional credit scoring framework designed to capture a user’s financial life across India, their country of residence, and their engagement with Aspora’s ecosystem.

The Credit Scoring & Credit Analytics will own the end-to-end conception, design, development and deployment of Aspora’s credit scoring and analytics capabilities. This role goes beyond model building and is responsible for defining Aspora’s credit philosophy by translating data into decisions across the entire customer lifecycle. The role plays a foundational part in determining lending eligibility, risk appetite, collections strategy, and responsible growth of credit exposure through upsell and cross-sell. It requires deep expertise in credit risk, policy design, and analytics, along with hands-on execution and close collaboration with engineering, product, data and business teams to take scoring from concept to production at scale.

What You Will Own

• Define and manage the Aspora Score a proprietary multi-layered credit scoring framework.Combine a user’s financial history in India with financial, employment, behavioral and transaction signals from their country of residence and activity within Aspora’s ecosystem.Incorporate relevant alternative data sources while ensuring regulatory and policy compliance

• Ensure scoring frameworks are explainable, auditable, regulator-friendly, modular and extensible across new data sources and geographies. Own score calibration, segmentation and risk banding across customer cohorts.

• Author and maintain the Credit Scoring Policy, outlining the model philosophy, objectives, data inputs and exclusions.
  Define risk thresholds, cut-offs, override logic and exception handling in line with policy and governance standards.

• Establish policy guardrails for credit approvals and rejections, credit limits, pricing inputs and periodic score refresh and re-evaluation.
  Ensure alignment with Aspora’s risk appetite, regulatory requirements across geographies, and fair and responsible lending principles.

• Own end to end credit decisioning across origination, collections and portfolio monitoring. Influence loan approvals, amounts, tenors and pricing using structured risk signals.

• Build delinquency prediction models and early-warning indicators to monitor emerging risk.Enable segmentation-based collections strategies and support ongoing post-disbursement risk reassessment.

• Support decisions for top-up loans, repeat loans, and new product eligibility using score trends and behavioral insights.Identify low-risk, high lifetime-value customers through score evolution and portfolio analysis.

• Lead data integrations and analytics infrastructure by identifying, evaluating and relevant internal and external data sources. This includes credit bureaus (India and international), banking and transaction data, employment and income verification sources and alternative or behavioral datasets.

• Define data requirements, schemas, refresh cycles and quality checks to support reliable credit analytics.

• Partner with engineering and data teams to ensure robust pipelines, high availability, low-latency scoring, and continuous monitoring of data and model health.

• Collaborate with product and engineering teams to design and build Aspora’s scoring and decisioning platform.

• Define APIs, decision flows, and real-time versus batch scoring logic.

• Own model deployment, testing, validation, and go-live readiness, including champion–challenger frameworks.Track model performance through approval rates, bad rates, vintage analysis and drive continuous improvement.

• Own portfolio management and risk analytics across geographies, products and customer cohorts.Conduct vintage analysis, loss forecasting, stress testing and scenario analysis to refine risk strategies balancing growth, credit quality and unit economics.

Who You Are

• 3-5 years of experience in credit risk, scoring and analytics within fintech lenders, digital banks or data-driven NBFCs.

• Proven track record of building and deploying credit scoring models from scratch, owning credit risk and scoring policies. Managing credit risk across the full loan lifecycle.

• Experience with international or cross-border credit, especially for NRI or immigrant customer segments is a strong advantage.

• Deep expertise in credit scoring methodologies including rule-based, statistical and machine-learning approaches, risk segmentation, cut-off optimization, portfolio monitoring and loss management.

• Strong hands-on experience with data analysis and modeling tools such as SQL and Python or R and integrating credit bureau and alternative data sources.

• Ability to translate complex analytical insights into clear policies and business decisions and convert risk frameworks into actionable product and engineering requirements.

• Builder mindset with comfort operating in 0→1 environments and taking models from whiteboard to production.

• Strong collaborator able to work seamlessly with engineering, product, business and operations teams while operating effectively amid ambiguity and maintaining risk discipline.

What Will Make You Successful at Aspora

• Viewing credit scoring as a product and a long-term competitive moat.

• Excitement about defining creditworthiness for globally mobile users.

• Ability to combine analytical rigor with creativity by leveraging both traditional and alternative data sources.

• Deep commitment to responsible lending, explains ability and long-term portfolio health.